Oneida County and Vernon Town property record for 3792 Prospect St, Oneida, NY 13421
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,472 sqft · built 1880 |
| Lot Size | 0.404 acres (17,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $122,000 (Nov 2019) |
| Tax Bill | $3,416 (2026) |
| Deeds & Mortgages | Nov 2019 Mortgage Nov 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 306089 321.007-2-8 |
| Primary APN | 306089 321.007-2-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,472 sqft Living Area |
| 1st Floor Area | 862 sqft |
| 2nd Floor Area | 610 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 17,600 sqft (0.404 acres) |
| Lot Dimensions | 400 ft deep x 44 ft wide |
| Garage Type | Detached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 228 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 022330 |
|---|---|
| Street Address | 3792 PROSPECT ST |
| City | ONEIDA |
| State | NY |
| Zip | 13421-3638 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Description | HOUSE |
| Legal Block | 2 |
| Legal Lot Number | 8.000 |
| Jurisdiction | ONEIDA NY |
| Township / Civil Division | VERNON |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 24900 |
3792 Prospect St is owned by an individual who bought it in November 2019.
Source: Oneida County and Vernon Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3792 PROSPECT ST, SS, ONEIDA, NY 13421-3638 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 25, 2019 | Deed of Trust, Mortgage · FHA Mortgage HOMEOWNERS ADVANTAGE |
| Nov 25, 2019 | Warranty Deed, Transfer · FHA Mortgage HOMEOWNERS ADVANTAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 25, 2019 · Amount on File |
| Deed Sale | Nov 25, 2019 · Amount on File |
| Prior Sale | Dec 13, 2004 · Amount on File |
| Deed Document Number | 201916524 |
| Prior Transfer Date | Jan 15, 2004 |
| Prior Transfer Doc | 0020042130 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 3792 PROSPECT ST, ONEIDA, NY 13421-3638 |
| Document Number | 0000016525 |
| Instrument Date | Nov 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 3792 PROSPECT ST ONEIDA NY 134213638, ONEIDA, NY 13421-3638 |
| Document Number | 0000016525 |
|---|---|
| Date | Nov 25, 2019 |
| Instrument | 16525 |
| Name | HOMEOWNERS ADVANTAGE |
|---|---|
| Address | ALBANY, NY 12205 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 24, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONEIDA NY |
| Recording Date | Nov 25, 2019 |
| Property Address | 3792 PROSPECT ST, ONEIDA, NY 13421-3638 |
| Document Number | 0000016524 |
| Instrument Date | Nov 19, 2019 |
| Instrument | 16524 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $488.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 8661 CHAMINADE RD MARCY NY 134033154, MARCY, NY 13403-3154 |
| Document Number | 16525 |
|---|---|
| Date | Nov 25, 2019 |
| Instrument | 16525 |
| Name | HOMEOWNERS ADVANTAGE |
|---|---|
| Address | ALBANY, NY 12205 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 24, 2049 |
The 2026 property tax bill for 3792 Prospect St was $3,416, down 0.1% from the year before.
Source: Oneida County and Vernon Town assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Oneida County |
| County Subdivision | Vernon Town |
| Unified School District | Oneida City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,416.00 (-0.12%) | ||
| 2025 | $3,420.00 | $62,400 Land $2,300 Building $60,100 | $143,448 Land $5,287 Building $138,161 |
| 2023 | $62,400 (-) Land $2,300 Building $60,100 | $131,368 (+9.47%) Land $4,842 Building $126,526 | |
| 2022 | $812.00 | $62,400 Land $2,300 Building $60,100 | $120,000 Land $4,423 Building $115,577 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3792 Prospect St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 26, 2013 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 3 (2011–2025) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Jun 2025 · rainfall accumulation |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 3792 Prospect St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ONEIDA CITY serves 11,393 people · EPA ID NY2602381 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | 1 ppb (2025–2027) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 176 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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